I can still remember how surprised I was when I learned that banks only had to keep a fraction of the deposits made to them, and it was interesting to see what they actually did with all that money.

"Money for nothing, and your chicks for free" might have been 'The Phrase that Pays" for the banking industry itself and how they approach managing the people's money. It also made no sense to me to tax the roof over our heads.

I've always felt that once you "bought" a home, that should be it, there should be no cause to lose it. But I was told that was communist thinking, and that, was that. Those with an ear will prep well and be ready. Those that wont...